Hope you've all had a long wonderful day in the mines, or markets and are ready to sit back relax and potentially make millions of dollars.
What I am proposing is that we set up a website and service which also has a physical magnetically charged card. When someone uses the card it takes funds from an account(which can be automatically funded from Dwolla or the like) that they hold with us, buys bitcoins, transfers those bitcoins to the recipient's account and then sells them back instantly converting them into dollars again. And for this service we undercut the credit card companies for providing the exact same service, and charge only 1.618% instead of the industry average of 3%.
With merchants being able to receive funds in less than an hour and also pay less of a fee, it could catch on big and be pushed on customers by businesses who want to save some bucks.